System for transfering an inbound communication to one of a plurality of credit-counseling agencies

ABSTRACT

A system for referring a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the method including the steps of: storing telephone numbers for a plurality of financial assistance providers in memory accessible by a digital electrical computer; obtaining lender criteria for selecting one of the financial assistance providers; storing said criteria for access by said computer; identifying a debtor; selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers; and connecting the debtor by telephone to the one of the stored telephone numbers. The system can be used with an intermediary that detects referring information sufficient to identify a referrer identity, to select which one of several financial assistance providers to refer the inbound communication by using a computer to look up and to apply referral 
     criteria responsive to the referrer identity, and to form and track the call referral.

I. PRIORITY CLAIMS

This patent application is a continuation of, and incorporates by reference from as if completely reproduced herein, Ser. No. 09/692,697 filed Oct. 19, 2000, with the same title and inventors.

A portion of the disclosure of this patent document contains material that is subject to copyright protection. The copyright owner has no objection to a statutory fair use of this material, as it appears in the files of the files or records of the U.S. Patent and Trademark Office, but otherwise reserves all copyright rights whatsoever.

II. TECHNICAL FIELD OF THE INVENTION

The present invention pertains to an electrical digital computer machine and a data processing system, methods of making and for using the machine, products produced thereby, as well as data structures and articles of manufacture pertaining thereto, and all necessary intermediates of that which is discussed herein, all in the field of computerized aspects of card crediting to mortgages and the like. More particularly, this invention relates to a digital electrical data processing system having particular utility in financial fields related hereto. Still more particularly, the present invention pertains to call referral, as in the case of a calling debtor who is referred by the lender to a credit counseling agency, along with automated generation of related documentation, inter-computer communications, and networking.

III. BACKGROUND OF THE INVENTION

Prior to the present invention, the technology of referring a debtor to a credit-counseling agency or other financial assistance provider could not be considered robust.

The generally excepted method for lenders (creditors) to refer consumers (debtors) to credit counseling agencies was to (a) tell them to their local yellow pages or (b) tell them to call one of two toll-free telephone numbers supported by the National Foundation for Credit Counseling (NFCC) or the Association of Independent Consumer Credit Counseling Agencies (AICCCA). The prior method of making referrals was a one-to-one approach that utilized only existing telephones. In some cases, individual or multiple credit counseling agencies would establish relationships with creditors who in turn would make referrals directly to that or those agencies. In some cases, credit counseling agencies would produce manual or computer reports outlining which of the creditors customer(s) called the agency or agencies. In most cases, these reports were compiled after a predefined period often 30 to 60 days later. Where a creditor has multiple relationships and receives multiple reports then the data from each report has to be merged into a single summary report by the creditor requiring additional time and expense.

There is no known incidence of automated referral of a debtor to an intermediary or a second such referral from the intermediary to the financial assistance center, such as a credit agency. Thus, there was no known capturing of a referrer or lender identity, or caller or debtor identity, by say the intermediary for use in, say, tracking, reporting, or feedback to any of the parties involved. Nor would there be any automated referral criteria for selecting a financial assistance center (e.g., credit counseling agency, other lender, etc.), say, by computer logic that applies referral criteria to the call. Lenders would have little idea how the credit counseling agencies fared, and the agencies would have no idea how they fared as compared with other agencies.

In sum, the industry has worked long and hard to collect on debts, and there is a plethora of lenders, troubled debt, and financial assistance centers, yet the known prior art has shortcomings that have left many inadequately addressed needs.

A. OBJECTS AND ADVANTAGES

In view of the foregoing, an object of the invention for which a patent is sought is improve over or overcoming some or all of the drawbacks indicated herein.

It is an object of the present invention to provide a computer system linked to call referral activity from debtors to lenders, e.g., by way of an intermediary, to financial assistance centers.

It is another object of the present invention to provide a computer system to select which of a plurality of financial assistance centers is suitable, based on lender-specified criteria, for referral of particular calls.

It is yet another object of the present invention to provide a computer system to capture debtor, and preferably lender, identities and/or other data (e.g., by ANI, DINS, IVR, telephony,) for referral and feedback, reporting, management, and comparative purposes.

It is still another object of the present invention to provide a computer system to communicate call referral reports, in real or near real time, to a secure global network site, such as an Internet web site.

It is an additional object of the present invention to provide a computer system to trigger call routing by defaults, time of day, location of caller, quantity (e.g., percent of calls placed to a center, prior communication between a particular caller and center, etc.)

It is also an object of the present invention to provide a computer system to generate call referral reports by time of day, day of week, state of debtor, as well as an analysis of uncompleted (e.g., hang ups) calls, comparison with other centers—especially those used by a common lender.

These and other objects and advantages of this invention will become apparent from a consideration of the figures and ensuing description in contrast to the state of the art before the present invention.

B. SUMMARY OF THE INVENTION

These and the other objects of the present invention, as apparent from the specification as a whole, are carried out by providing a machine, manufacture, process, and improvement thereof in which user defined criteria is electronically and digitally stored in a custom database which processes and modifies electrical and digital signals representing data so as to overcome the aforementioned disadvantages of prior referral management policies or systems. More particularly, the invention involves, a computerized system for the management, tracking, and reporting of referrals made from one company, individual, or entity to another company, individual, or entity. More particularly, the present invention relates to a process that utilizes telecommunications technology, computer technology, database technology, web-based reporting application technology to manage, track, and report results based on the user defined criteria.

More particularly, this invention relates to an automated computer system that allows referrers to define referral criteria, manage their referral process, track referrals and types, and number of referrals, and receive referral results in pre-defined or custom reports in real time or near-real time. One particular application for this invention is in the credit counseling industry where issuers of unsecured debt such as credit cards might be interested in referring financially stressed customers to credit counseling agencies for assistance in meeting their financial obligations.

Even more particularly, the present invention relates to an improved digital electrical computer-based system configured to address the foregoing objects, including a machine (programmed computer), methods for making and using it, products produced by the method, data structures, and necessary intermediates, collectively referenced herein after as the method (for the sake of brevity).

Accordingly, the invention can be exemplified as a computer-aided method such as that for a referrer-controlled method for transferring an inbound communication to one of a plurality of financial assistance providers, the method including the steps of: receiving an inbound communication from a referring apparatus of information sufficient to identify a referrer identity; selecting which one of a plurality of financial assistance providers to refer the inbound communication by using a computer to look up and to apply referral criteria responsive to the referrer identity; and connecting the inbound communication to the one of the plurality of the financial assistance providers in accordance with the criteria.

In any of the embodiments, the steps of receiving and selecting can be carried out with the referrer identity being a lender identity and with said inbound communication including a telephone connection to a debtor of a lender having the lender identity.

Another way of viewing the invention is that it is a method for referring a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the method including the steps of: storing telephone numbers for a plurality of financial assistance providers in memory accessible by a digital electrical computer; obtaining lender criteria for selecting one of the financial assistance providers; storing said criteria for access by said computer; identifying a debtor; selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers; and connecting the debtor by telephone to the one of the stored telephone numbers.

In any of the embodiments, the invention can be carried out by further including the steps of: using ANI to detect a telephone number; and associating the telephone number with debtor information.

In any of the embodiments, the invention can be carried out by further including the steps of: using DNIS to detect a telephone number; and associating the telephone number with lender information.

In any of the embodiments, the invention can be carried out by further including the steps of: receiving debtor-identifying information by telephony; and communicating the information from said telephony to the lender for tracking debtor payment performance.

In any of the embodiments, the step of connecting can be carried out with the financial assistance center being a credit-counseling agency.

In any of the embodiments, the invention can be carried out by further including the step of: providing some of said financial assistance centers with call activity reporting by means of a secure web site.

In any of the embodiments, the invention can be carried out by further including the step of: providing call activity reporting updated no less than daily at a secure web site.

In any of the embodiments, the invention can be carried out by further including the step of: providing a web site demonstration of said method.

In any of the embodiments, the step of selecting can include: applying as said criteria a call routing triggered by a quantity of prior calls respectively placed to the financial assistance centers.

In any of the embodiments, the step of selecting can include: applying as said criteria a call routing triggered by a detection of a debtor who has previously been referred to one of the financial assistance centers.

In any of the embodiments, the step of selecting can include: applying as said criteria a call routing triggered by time of day.

In any of the embodiments, the step of selecting can include: applying as said criteria a call routing triggered by location of the debtor.

In any of the embodiments, the step of selecting can include: applying as said criteria a call routing triggered by time of day, location of the debtor, and a quantity of prior calls respectively placed to the financial assistance centers.

In any of the embodiments, the step of selecting can include: applying as said criteria a default call routing triggered by a failure to make a first connection to one of the financial assistance centers.

In any of the embodiments, the invention can be carried out by further including the steps of: storing call referral information including number of calls and call duration data for each said financial assistance center; and generating a report of said call referral information.

In any of the embodiments, the invention can be carried out by further including the steps of: storing call referral information including caller hang up data; and generating a report of said call referral information.

In any of the embodiments, the invention can be carried out by further including the steps of: storing call referral information including attempted but uncompleted call connecting; and generating a report of said call referral information.

In any of the embodiments, the invention can be carried out by generating a call referral report by time period for each said financial assistance center.

In any of the embodiments, the invention can be carried out by further including the step of: including in the report an analysis of call referral activity by time of day.

In any of the embodiments, the invention can be carried out by including in the report an analysis of call referral activity by day of week.

In any of the embodiments, the invention can be carried out by including in the report an analysis of call referral activity by state of debtor.

In any of the embodiments, the invention can be carried out by including in the report an analysis of uncompleted calls.

In any of the embodiments, the invention can be carried out by generating a call referral report including a comparison of said financial assistance centers.

In any of the embodiments, the step of generating includes generating the call referral report including the comparison of said financial assistance centers by a respective one of the lenders.

In any of the embodiments, the invention can be carried out by using IVR to associate the telephone number with debtor information.

In any of the embodiments, the invention can be carried out as a report (product) produced by a method.

In any of the embodiments, the invention can be carried out as a computer system programmed to implement a method for referring a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the computer system including: a digital electrical computer having a processor, the processor electrically connected to store and receive electrical signals at a memory device, to receive input electrical signals corresponding to input information from an input device, to convert output electrical signals into output information at an output device, the processor programmed to control the digital electrical computer to receive the input electrical signals and to process the input electrical signals to produce the output electrical signals in storing telephone numbers for a plurality of financial assistance providers in memory accessible by said digital electrical computer, storing lender-provided criteria for selecting one of the financial assistance providers, identifying a debtor in response to a telephone communication, and selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers to connect the debtor to the one of the stored telephone numbers; especially as further including a telephone controlled by said digital electrical computer to connect the debtor by telephone to the one of the stored telephone numbers.

In any of the embodiments, the invention can be carried out as method for making a computer system to refer a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the method including the steps of: providing a digital electrical computer having a processor, the processor electrically connected to store and receive electrical signals at a memory device, to receive input electrical signals corresponding to input information from an input device, to convert output electrical signals into output information at an output device; and programming the processor to control the digital electrical computer to receive the input electrical signals and to process the input electrical signals to produce the output electrical signals in storing telephone numbers for a plurality of financial assistance providers in memory accessible by said digital electrical computer, storing lender-provided criteria for selecting one of the financial assistance providers, identifying a debtor in response to a telephone communication, and selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers to connect the debtor to the one of the stored telephone numbers.

In any of the embodiments, the invention can be carried out as a computerized method for providing call referral activity reporting at an Internet address, the method including the steps of: generating call referral data by receiving an inbound telephone communication from a referring apparatus of information sufficient to identify a referrer identity, selecting which one of a plurality of financial assistance providers to refer the inbound communication by using a computer to look up and to apply referral criteria responsive to the referrer identity, and connecting the inbound communication to the one of the plurality of the financial assistance providers in accordance with the criteria; and posting call referral data to the Internet web address.

In any of the embodiments, the invention can be carried out as further including the steps of: engaging accounting software to track compensation for the connecting.

Briefly, in the system of the present invention, and in the case of an intermediary, a telephone phone rings—collect ANI (originating number) and DNIS (number called) information. The DNIS number identifies the lender to the intermediary. The ANI information becomes important to help determine if the lender is doing a warm transfer or the consumers are calling themselves. Based on this information, the intermediary will later determine if this consumer called before and route them back to the correct (previous) agency.

Answer the call—time stamp. This step to mark the beginning of the call.

Prompt the caller for digits—credit card information—for routing back to the lender to identify the caller and track what became of the caller.

Authenticate the collected digits—i.e., credit card number.

Play a “Thank-You” message and place the caller on “hold.”

Determine if consumer has called before: Previous caller; New caller; Default.

Perform routing table lookup—Using the DNIS and ANI information query the routing tables for an outbound number to agency.

Seize an outbound telephone channel (line).

Get the next outbound telephone number.

Dial the outbound number.

Was the call answered in 4 rings (valuable for report information); if not, check if there is another outbound number—shift from primary agency to secondary agency.

Connect caller to agency.

Wait for hang-up or call time-out—Monitor both sides of the conversation for a hang-up. If hang-up is detected, clean up resources.

Generate updated reports every two minutes, posted to a secure web site.

The Referral Management System (RMS) is not limited to just the credit counseling world.

A Receiver (someone who receives a referral) can be any of the following:

1. consumer credit counseling agency

2. home equity lender

3. debt consolidation or loan refinancer

4. bill paying service (automated or not)

5. commercial lender

6. financial planner

or more particularly, an apparatus of the same.

A Referrer (someone who directs a call for the referral) can be any of the following:

1. creditor

2. employee assistance program (EAP)

3. professional employer organization (PEO)

4. membership services organization

5. labor unions

6. affinity groups

7. clubs

8. credit unions

or more particularly, an apparatus of the same.

While the foregoing is a reasonable summary, it should be understood that the scope of the invention is defined by the claims subsequent hereto, and that variations on the preferred embodiment are intended to be embraced therein, particularly call referral without an intermediary, as for example by the lender itself directly connecting callers to credit counseling or other financial assistance agencies. Further detail is provided in the drawings and detailed discussion set out below.

IV. BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is an illustration of an embodiment of the present invention.

FIG. 2 is an illustration of an embodiment an IVR System diagram in accordance with the present invention.

FIG. 3 is an illustration of an embodiment an IVR High Level diagram in accordance with the present invention.

FIG. 4 is an illustration of an embodiment an IVR Database Schema in accordance with the present invention.

FIG. 5 is an illustration of an embodiment a main screen in accordance with the present invention.

FIG. 6 is an illustration of an embodiment a members screen in accordance with the present invention.

FIG. 7 is an illustration of an embodiment a members summary screen in accordance with the present invention.

FIG. 8 is an illustration of an embodiment a report for levels one, two, and three in accordance with the present invention.

FIG. 9 is an illustration of an embodiment a report for levels four and five, and of a comparison to date, in accordance with the present invention.

FIG. 10 is an illustration of an embodiment a custom report screen in accordance with the present invention.

FIG. 11 is an illustration of an embodiment a report with analysis in accordance with the present invention.

FIG. 12 is an illustration of an embodiment a report map in accordance with the present invention.

FIG. 13 is an illustration of an embodiment a network in accordance with the present invention.

V. DETAILED DESCRIPTION OF A PREFERRED EMBODIMENT

Turning now to a detailed discussion of how to make and how to use the present invention, please refer to the code in the Appendix hereto, which is incorporated herein. Generally, with regard to making and operating the Referral Management System (RMS) 1 of the present invention, the following terminology is being used.

-   -   1. RMS Referral Management System     -   2. RT Routing Table     -   3. OBN Outbound Number     -   4. ANI Automated Number Identification (Originating number)     -   5. DNIS Dialed Number Identification Service (Toll-free called         number)     -   6. IVR Interactive Voice Response     -   7. CCA Consumer Credit Agency     -   8. PSTN Public Switch Telephone Network     -   9. DTMF Dual Tone Multi-Frequency (Touch Tones)     -   10. Outbound Number—A Toll-Free number belonging to a particular         CCA.     -   11. Default Outbound Number(s)—A Toll-Free number of a CCA to         call in the event a database lookup fails.     -   12. Customer—Bank's customer; this individual is provided a         PEREGRIN Toll-Free number, by the bank.

For a particular embodiment, consideration should be given to T1 interfaces, commercial software, custom software, and hardware products and other features; major factors include scalability, reliability, compatibility, functionality, available support, and short and long term cost. T1 trunking options from the Tier-1 Long Distance Exchange Carriers (LEC's) can be obtained by contracts with the LEC's. Equipment location can be such as SkyNetWeb, a co-location facility in Baltimore, Md. which provides the following:

1. Locked Cabinet (7′×30″×19″)

2. Backup Power Generators

3. 24/7 Access to the equipment

4. Internet Access

5. Public Network Access

A suitable IVR platform can be obtained from LCG, and database products, such as those from Oracle, Sybase, and Microsoft, can be considered for a particular application. Sybase can be chosen.

Hardware used for the RMS can include T1 interface boards (Dialogic, and BrookTrout), RAID options, memory, processing speed requirements, and Backup & Recovery options. Dialogic can be used, and RAID V can be chosen for the disk array to provide redundancy; XEON processors can be used for potential expansion of the System 1 with 512K of RAM.

A toll-free provider can be considered for the best cost effective plan for the particular embodiment, considering per minute cost, minimum monthly requirements, and length of contract. Spring Valley (a subsidiary of WorldCom) can be used.

Hardware can be comprised of the following RMS:

Category Description Qty. Motherboard Intel C440GX Dual-Xeon 1 CPU Intel Pentium III Xeon 550 MHz w/ 1 MB cache 2 Memory 256 MB Synchronous DRAM 2 Boot Drive Seagate Medalist 6.4 GB Ultra ATA/66 2 Hard Drives 9.1 GB IBM Ultra2-SCSI SCA LVD 80pin SCA 10,000 rpm 4 RAID PCI - Adaptec:AAA-131U2, 1 ch., Ultra2-SCSI, 64 MB 1 Controller Cache CDROM IDE 48X CDROM 1 OS Windows NT Server 4.0, with 5 client licenses 1 Case Intel Cabrillo-C Full Tower with 3 redundant 400 W Power 1 Supplies Pedestal Kit Pedestal Kit for Cabrillo-C chassis 1 Floppy Drive IDE 1.44 MB 3.5″ 1 Keyboard Windows PS2 104 Key 1 Mouse Microsoft PS2 Intellimouse 1 Monitor Viewsonic Optiquest Q51 15″.28 dp 1 Modem US Robotics External (56k w/voice) & Blaster External 2 (56K w/voice) NIC ISA - 3COM 10/100 MB Ethernet Card 1 Backup Seagate Scorpion 12/24 SCSI2 Tape Backup 1 Backup Seagate Backup Exec for Windows NT Version 7.3 Multi- 1 Software Server Warranty Maintenance 3 yr Onsite, pageable, 7/24, 4 hour response 1 UPS APC Smart UPS 700Net (w/ powerchute software and 1 cable) Remote Intel PCI Card/Modem (Emergency Management Card) 1 Management with Software CSU External T1 CSU's (one spare) 3 Database Sybase Adaptive Server Anywhere (20 concurrent 1 Management license) IVR Platform VBVoice - 96 channel Professional Edition 1 T1 Boards Dialogic SC/240 Single T1 Boards 3

The trunk interface boards are Dialogic SC/240 T1 Interface boards. The IVR software was built using the Professional Version of Pronexus's VBVoice Toolkit. This software interfaces with the Dialogic T1 interface boards to answer the call, collect the ANI and DNIS information, prompt the Customer, initiate the Outbound Number database lookup, dial the Outbound Number and bridge the call between the Inbound Caller and the Outbound destination.

VBVoice is purchased based on number of channels that it will support. This support can always be upgraded but currently can support a maximum of ten T1's, e.g., the following version of VBVoice: VB Voice Professional 4.1-96 Channels (supports 4 T1's). This software support of four T1 circuits will allow for expansion of two more T1's without upgrading the VBVoice software

The IVR Server has the following available 4 PCI slots for T1's. In the present implementation, there are three single T1 PCI boards. Two were immediately configured in the system and one is a spare. The initial capacity will be as follows: T1 Trunks—Two (Two PCI boards—One T1 per board): This allows for 24 simultaneous completed calls to the CCA's through the system. Initial call volume capacity is 20K calls/month (non-blocking).

Assumed the following average call criteria:

1. 24 Business Days per Month

2. 12 Business Hours per Day

3. 7 Minutes per Call

With the above call criteria, the IVR system will average approximately 1 call per minute with a 20K calls/month load on the system.

The Referral Management System 1 (RMS) performs criteria-based call routing. A caller dials a nationwide toll-free number that enters into the RMS via PSTN T1 audio trunks. Data including originating number (ANI), and called number (DNIS) are sent in over the PSTN and are collected by the RMS system. From this data, the day of week, time of day, and geographic region are determined and are utilized in a routing table (RT) lookup. The caller is presented with a recorded greeting and a request to enter a credit card number (if this prompt is enabled), which is then captured by the RMS. If no number is entered or the number is determined to be an invalid credit card number, the caller is prompted again. With or without data from the first and second try, a recorded message is played and the transaction proceeds. A routing database lookup locates one main outbound number (OBN) and one or two default outbound numbers to dial depending on the routing model assigned to the toll-free called number (DNIS). The provided routing models are:

-   -   1. Default—One or two numbers assigned to a call if a DB lookup         fails or primary call fails.     -   2. Statistical—Routing based on percentage of calls going to two         or more agencies.     -   3. Time & Location—Routing based on where the call originated         from (ANI).     -   4. Hybrid—Combination of the Statistical and Time & Location         Models.

The RMS places the customer “on-hold” and dials the OBN, and then connects the Customer or caller once an answer is detected. If a busy signal or no answer (defined by a configurable number of rings) is encountered, the call is re-routed to a default OBN based on RT specifications.

The RMS will continue to monitor the call until a hang-up condition is detected. It will then database the total length of the call. The RMS stores the detailed data on each call into a database record which is sent to the PEREGRIN Web Server via a push process. This push process logs its activity and occurs at a configurable rate (e.g., every two minutes).

The following RMS requirements utilized in the development of the System 1.

A. IVR Application Requirements

-   -   1. Shall answer phone call and start timer.     -   2. Shall collect and/or database:     -   3. ANI Collected (Y or N)     -   4. Originating Number (ANI)     -   5. State call originated from (2 Digit)     -   6. Start Date of Call (DD/MM/YY)     -   7. Start Time of Call (HH:MM:SS)     -   8. End Time of Call (HH:MM:SS)     -   9. Length of Call (HH:MM:SS)     -   10. Called Number (DNIS)     -   11. Customer (i.e., caller) Entered Digits (16 max.)     -   12. Criteria Cell Matched     -   13. Number Call was attempted to . . .     -   14. Number Call was completed to . . .     -   15. Completion code (TRUE, FALSE)     -   16. Non-complete reason (busy, no answer, line failure)     -   17. Shall prompt Customer, if enabled, for a 13-16 digit number         terminated by a pound sign and shall log an event for digit time         outs. Shall be able to disable Customer prompting for digits for         a given DNIS     -   18. Shall view an invalid digit as a digit timeout.     -   19. Shall database number entered by Customer.     -   20. Shall wait eight (8) seconds for Customer to enter the first         digit before prompting the Customer for a number a second time.     -   21. Shall wait eight (8) seconds in between digits, before         prompting the Customer for a number a second time.     -   22. Shall authenticate the number entered by the Customer and         shall log an event should authentication fail.     -   23. Shall authenticate the number entered by the Customer when         the maximum number of digits is entered regardless of whether or         not a pound sign was entered.     -   24. Shall play a “Thank-you” message and proceed with the         transfer if the second prompt fails in anyway.     -   25. Shall play a “Thank-you” message anytime the Customer         properly enters the number.     -   26. Shall be prompted a maximum of two times before proceeding         with the transfer.     -   27. Shall determine if Customer has called before only after a         successful authentication.     -   28. Shall transfer Customer to the same Outbound Number used on         their first call and shall NOT try another Outbound Number         should this one fail.     -   29. Shall seize an outbound channel and send DTMF digits down         the channel.     -   30. Shall interface to a Sybase database.     -   31. Shall query the Sybase database for a list of Outbound         Numbers to Dial.     -   32. Shall record the total length of the call.     -   33. Shall log significant events.     -   34. Shall put Customer in HOLD state.     -   35. Shall play message or music while Customer is in HOLD state.     -   36. Shall play “THANK YOU” message after authentication succeeds         or fails twice.     -   37. Shall ring the Outbound Number 4 times, if no answer, shall         dial the next Outbound Number.     -   38. Shall dial the next Outbound Number if fast busy is         detected.     -   39. Shall remove the Customer from the HOLD state and connect         them to the “answered” Outbound Number.     -   40. Shall play an “apology” message if we fail to seize an         outbound channel and shall log this event.     -   41. Shall detect if either side of conversation hangs up and do         the following:     -   42. Clean up resources appropriately     -   43. Record the time     -   44. Shall log an event if a conversation exceeds a maximum time.     -   45. Shall log an event, play an “apology” message, and clean up         resources if all Outbound Number dial attempts Fail.     -   46. Shall use a default Outbound Number if all Outbound Number         database lookups fail.     -   47. Shall record time when Customer is connected to an         “answered” Outbound Number.     -   48. Shall attempt to connect first time Customers to a maximum         of three (3) different Outbound Numbers, 1 from the Routing         Tables and 2 Defaults.     -   49. Shall attempt to connect Customers to the 2 Default Outbound         Numbers in the event the Routing Table lookup fails.     -   50. Shall read a configuration file for basic system parameters:     -   51. Number of Rings to wait for an Outbound Number to answer     -   52. Maximum length of a call     -   53. Amount of Time to wait between digits     -   54. Maximum Number of Digits in prompted number     -   55. Minimum Number of Digits in prompted number     -   56. Database “push” interval     -   57. Shall be dynamically re-configurable     -   58. Shall play a custom greeting based on DNIS when the call is         first answered.     -   59. Shall be able to modify or add custom greetings for the         first prompt without re-compiling the system code.

B. Database Requirements

-   -   1. Shall be encrypted and written to a file every 24 hours.     -   2. Shall push the IVR table data out the network connection at a         configurable interval.     -   3. Shall specify a Routing Model for all Inbound Numbers     -   4. Shall have three basic Routing Models and one Default. The         three basic Routing Models are:     -   5. Statistical     -   6. Time Location     -   7. Hybrid     -   8. Routing Models shall key off the DNIS information     -   9. Shall provide three types of Lookups:     -   10. Previous Caller: For valid CCN's, shall determine if         Customer has called before. If customer has called before and         was connected to a CCA, then the previously dialed Outbound         Number will be returned. If the Customer called before but was         never connected to an Outbound Number then the Customer will be         treated like a new caller and a New Caller Lookup will be         performed.     -   11. New Caller: If the Customer has not called before or an         invalid CCN was entered or the Customer has called before but         was not connected then the Routing Model specified for the DNIS         will be used to lookup one Outbound Number. Regardless of the         specified Routing Model a Default Routing Model will always         return two Outbound Numbers. When a Routing Model is not         specified for a particular DNIS the Default Routing Model will         be used.     -   12. Default: For each DNIS two CCA numbers will be specified,         one primary and one secondary. This lookup will always return         two outbound numbers.     -   13. Shall handle the following Routing scenarios:

Call Scenario Lookup Description DNIS not Collected Go to Routing-Decision table, key off “not received” and use the specified Routing Model. Invalid DNIS Collected (DNIS Go to Routing-Decision table, key off “invalid” and use collected is not defined in our the specified Routing Model. table) DNIS Collected, ANI not Go to Routing-Decision table, key off the received Collected “DNIS” and use the specified Routing Model to get the first Outbound Number to dial. (This creates a unique routing issue if the TimeLocation Model was specified. There should be logic inside the TimeLocation Model to handle this scenario.) The IVR will use the Default Routing Model to lookup two more Outbound Numbers. A maximum of three Outbound Numbers will be tried for this Customer. Both DNIS and ANI are Go to Routing-Decision table, key off the received Collected “DNIS” and use specified Routing Model and use it to lookup one specific Outbound Number. Attempt to dial this CCA. The IVR will use the Default Model to lookup two default Outbound Numbers. A maximum of three Outbound Numbers will be tried for this Customer. Bank requests: Statistical Model: For each Inbound Number the bank XX % of the time call CCA #1 will specify a certain number of Outbound Numbers XX % of the time call CCA #2 (CCA's) with corresponding percentages. The total . percentages must add up to 100%. If only one . Outbound Number is specified then the percentage must . be 100%. The model will be used to determine the first XX % of the time call CCA #n number to attempt. Primary Default DefaultModel: The bank will also specify two default Secondary Default number if the first attempt fails. Bank requests: Time Location Model: For each Inbound Number the State1 and TimePeriod1 to bank will specify calls from a certain state and at a CCA #1 certain time period to be routed to a particular CCA. The . Time Periods will be mutually exclusive. The number of State1 and TimePeriod4 to Time Periods will be limited to four for each state. The CCA #2 model will be used to determine the first number to . attempt. StateN and TimePeriod1 to DefaultModel: The bank will also specify two default CCA #P number if the first attempt fails. . StateN and TimePeriod4 to CCA #Q Primary Default Secondary Default Bank requests: Hybrid Model: This model combines the Statistical and State1 and TimePeriod1 to TimeLocation Models into one Model so when a CCA #1 Customer calls from a particular location during a State2 and TimePeriod2 particular time range we can statistically route calls to 50% to CCA#2 the appropriate CCA. In addition we can route differently 50% to 10 other CCA's based on the day of the week. In particular we can discern between day of the week, weekends, and holidays. Default Model: The bank will also specify two default number if the first attempt fails.

Overall system design and technical management for the RMS system includes the IVR System, Database Schema development, custom IVR application development, error recovery utilizing paging technologies, installation and testing, and future expansion and support plans.

FIG. 1 is an illustration of an embodiment of the present invention. FIG. 1 shows a customer 2 or caller connected by a channel to PTSN 4, which is centrally connected to a CCA 6, a Remote Monitoring Station 8 allows the referring bank to listen in on calls which are being transferred or sent to agencies, which may require a monitoring statement to be made when the call is be transferred advising the consumer that the call may be monitored, and Tier 1 Provider 10 of channels (in-bound and outbound audio lines), which connect via Dual Processor Server 12. Dual Processor Server 12 includes Trunk Interface Boards 14, which link to PSTN 4 via a Remote Maintenance System 16 is monitoring software which detects the condition or failure of key aspects of the IVR 18, such as temperature of the unit, hard drives working, etc., and sends a page to personnel if warning conditions occur. It also allows remote rebooting of the system, IVR 18 Database Management System 20, with Custom Software 22 is all of the steps detailed beginning with step 1., Collect ANI and DNIS at 30. This software analyzes the call, gathers information, presents it for routing and sends the call to the designated agency. Dual Processor Server 12 communicates with Disk Array 24, makes a tape back up 26, and interfaces with a courier system such as UPS System 28.

As to error recovery, the following paging requirements are for the RMS System 1 to recover from system faults and generate pages:

1. Inbound T1 Fault

2. Outbound T1 Fault

3. Database Fault

4. WebServer Not Accessible

5. Switched to Backup Power

There should be a continuous monitoring capability to detect problems with the RMS server such as temperature thresholds exceeded, memory errors, disk errors, and Operating System malfunctions.

With regard to the IVR subsystem, access to the Internet can be provided via a port on SkyNetWeb's switched Ethernet LAN. The access can be through MCI/Worldcom's UUNET. Thirty-two (32) IP addresses can be provided and 50 GB of data transfer per month can be supported.

For public network access, 24 in-bound audio channels (telephone lines or the like) can be provided by a Spring Valley/MCI WorldCom Dedicated T1 Trunk. There also can be 24 out-bound audio channels, which can be provided by a MCI WorldCom Local T1. Additional in-bound and out-bound audio channels can be provided by a Spring Valley/MCI WorldCom Dedicated T1 Trunk.

FIG. 2 is an illustration of an embodiment an IVR System diagram in accordance with the present invention. The IVR application for the RMS 1 and the IVR Sub-System custom software 22 has the following description.

-   -   1. Collect ANI and DNIS at 30;     -   2. Answer Call at 32: Time stamp this step to mark the beginning         of the call.     -   3. Prompt Customer for Digits at 34: After answering the Call,         prompt Customer for digits using Prompt 1. After the first digit         timeout prompt Customer for digits using Prompt 2 and after the         first authentication failure prompt the Customer for digits         using Prompt 3.     -   4. Wait for Customer to enter a DTMF digit at 36: The first time         the Customer fails to enter a digit, log an event, and re-prompt         the Customer for digits using Prompt 2. The second time the         Customer fails to enter a digit, log and event, and prompt the         Customer using Prompt 4. The Customer has maximum amount of time         to enter a digit and this will be specified by the digit timeout         parameter. This parameter will be dynamically re-configurable.     -   5. Collect a DTMF digit at 38.     -   6. Validate the Collected digits at 40: Proceed to step 7 and         authenticate the collected digits if any of the following cases         are TRUE:         -   If the digit is a pound (#) at 40         -   If the digit is a star (*) at 40         -   If the 17^(th) digit is NOT a pound (#) at 40         -   If NONE of the above cases are TRUE then proceed to step 36             and wait for another digit.     -   7. Authenticate collected digits at 42: Do the following checks         in the following order:         -   Invalid digits (star *)         -   Minimum number of digits required         -   Maximum number of digits allowed         -   Subject the collected string of digits (minus the pound (#)             sign) to provided authentication algorithm.         -   The first time any of the above checks FAIL, log an event             and re-prompt the Customer for digits using Prompt 3. The             second time any of the above checks FAIL, log an event and             prompt the Customer using Prompt 6.     -   8. Play a “Thank-you Message at 44: Depending on how a Customer         gets to this step one of three different prompts will be played.     -   9. Play a “Thank-you Message at 46: Depending on how a Customer         gets to this step one of three different prompts will be played.     -   10. Determine if Customer called before at 48: Only when         authentication is successful, perform a database lookup into the         Customer Tables to determine if the current Customer has called         in the past. When doing this search in the database we should         only have to search calls which have authenticated properly.         This should speed up this query. This step is performed in an         effort to reconnect past Customers to the same Outbound Number         every time, provided they always enter their account number         properly.     -   11. Perform Routing Table Lookup at 50: Using the DNIS and ANI         information query the routing tables for an Outbound Number.     -   12. Put Customer on HOLD at 52: Customer must be put on HOLD         while the IVR system dials the Outbound Number. Time stamp this         step so we can monitor how long we keep a Customer on HOLD.     -   13. Play Music or a Message at 54: While the Customer is on HOLD         play music or use Prompt 9.     -   14. Seize an Outbound Channel at 56: If this succeeds proceed to         step 14, if it fails, log an event and play the Customer message         using Prompt 8.     -   15. Get the Next Outbound Number at 58: Get the next Outbound         number to dial. If the Customer has called before then there         will only be one number on this list. If this is a first time         caller and the routing table lookup was successful then there         will be 3 numbers on this list (1 from routing tables and 2         defaults). If this is a first time caller and the routing table         lookup failed, then there will only be 2 numbers on this list         (the 2 defaults).     -   16. Dial the Outbound Number at 60: Send DTMF tones down the         outbound trunk corresponding to the Outbound number. (Dial the         CCA)     -   17. Was Call Answered within 4 Rings at 62: If it was then         proceed to step 19     -   18. Are there any more Outbound Numbers at 64: If the Called         party fails to answer within the first 4 rings, for any reason,         then we end up here. If there are more Outbound numbers to dial         go to step 14, if not, log an event and Play an apology message         specified by Prompt 7.     -   19. Play “Apology” Message at 66: Depending on how a Customer         gets to this step one of two different prompts will be played     -   20. Connect Customer to CCA at 68: Time stamp this step and         calculate the amount of time it took the IVR system to connect         the Customer to an appropriate destination.     -   21. Wait for Hang-up or Call Time-Out at 70: Monitor both sides         of the conversation for a hang-up. If hang-up is detected, clean         up resources (trunks, etc.) and time stamp this step so the         total length of call can be calculated. If hang-up is NOT         detected before the call duration reaches the maximum allowed,         log an event, time stamp and clean up resources (hang-up).

Turning now to the IVR Sub-System Database Management System 20 (FIG. 1), the Sybase product, Adaptive Server Anywhere can provide database Management for the RMS. A Push application was developed to transfer database content required by the Web Sub-System over the network connecting the two sub-systems. The timing of this push is controlled by a setting in a configuration (setting indicates the number of minutes between pushes). For example, if set to “2” will push the data every two minutes. To make the push more efficient, only the new records since the last push are sent to the Web Server.

The IVR Sub-System of Database Management System 20 interfaces with the Web Sub-System shown in FIG. 3. Components include IVR Database 72, Web database 74, which communicates to a global network such as the Internet World Wide Web 76. Benefits Include:

1. Protects integrity of IVR Database

2. Redundancy

3. Optimized Web Database for Web Reporting

4. Removes reliance of Web Server on IVR Database (split sisters)

Database Schema is shown in FIG. 4 which is the routing model and data for each referrers' inbound lines. With regard to the Website (e.g., for access to reports), it is advisable to utilize a browser, such as Internet Explorer 4.0 or higher, or Netscape Navigator 4.0 or higher, etc., preferably with 128-bit encryption (SSL).

Internet Explorer

-   -   1. Select Help on the menu bar     -   2. Choose About Internet Explorer from the drop down menu     -   3. The number in the “Cipher Strength” field is the encryption         strength

Netscape

-   -   1. Select Help on the menu bar     -   2. Choose About Navigator or About Communicator from the drop         down menu     -   3. Scroll down and look to the left for the statement that         begins, “This version supports U.S. Security with RSA Public Key         Cryptography.” That indicates a 128-bit encryption level.

Preferably the invention is carried out with a secure web site, for example, using Secured Sockets Layer (SSL) for secure transmissions. SSL applies encryption between two communicating applications, such as the Referrer Computer and the System Internet server. When the Referrer Computer transmits data over the Internet, the data is encrypted or “scrambled” at the sending end and then decrypted or “unscrambled” at the receiving end. Encryption is a technology that allows secure transmittal of information along the Internet by encoding the transmitted data using a mathematical formula that scrambles it. Without a corresponding “decoder,” the transmission would look like nonsense text and would be unusable. It can be used with many applications, including electronic commerce (sending credit card numbers for orders or transmitting account information), e-mail messages and sensitive documents. The System uses digital signatures and 128-bit encryption to identify users and to ensure that information exchanged online is safe from interception and alteration.

Additionally, the Web Site requires a unique User ID and Password. Thereafter, each time a Referrer Computer is used in a sign-on, the user's identity is confirmed by a series of authenticating steps. After authentication, a “cookie” is planted in the Referrer Computer system to identify the referrer Computer

Preferably the invention is carried out so that the browser must accept “cookies”. A browser may be set to receive cookies automatically or to notify of cookies. Either way is acceptable. If the browser is set to notify, a user may receive a notice that the server wishes to set a cookie when the user accesses secure areas of the Web Site.

Put simply, a “cookie” is a small piece of information about a computer's identity. There are two kinds of cookies—“persistent” and “transient.” A persistent cookie, once installed, remains on the hard drive of a computer. Preferably, a transient cookie is used, which is not permanently stored on the Receiver Computer hard drive and is not available to anyone other than the System. The cookie contains information that allows the System to maintain continuity from one page to another as the referrer Computer navigates the site and reports. All information is securely encrypted through the use of SSL as described above.

Accessing the Web Site is carried out in the usual manner of entering the correct Internet address the Referrer Computer's browser address bar and hitting “enter.” At this point, the System Website security validates the IP address and approach. Once a main screen appears, the referrer Computer can be used to “bookmark” the page for future easy reference.

From the main screen in FIG. 5, a user of the Referrer Computer can choose:

Members 100—a secure part of the Website, requiring a login id previously obtained from the System by using a CONTACT US button to obtain a login id. The user can access all reports by this means.

Links and News 102—links for both financial and industry purposes, and news that is pertinent to the industry. Use the CONTACT US button at the bottom of the page to suggest a link.

What we do 104—all about the System for receivers and referrers. New visitors can enroll to become a receiver or referrer or view a tutorial by clicking on the links here.

About us 106—all about the System and its related team—as the enterprise grows.

As the user moves a mouse pointer over any of these items, a description of the function appears to its right in the green area, replacing the verbiage there. At any time, anywhere in the site, the user can use a browser's “Back” button to return to a previous page. Or, click on the “nav” bar name to go right to that report or section. To go to the main page, FIG. 5, simply click on a HOME in the bottom left of any screen, or click on the System logo (in this case, Peregrin) in the upper right.

Turning now to using the embodiment of the present invention in connection with reporting, subsequent to the above-mentioned login, a user can move a mouse pointer over a MEMBERS button and click once. The user is then taken to a member login screen, FIG. 6. The user enters a User Name and password here. If the user has not enrolled, or forgotten a password, the user can click on the highlighted text below the login screen to send an email to the System automatically for assistance.

Once the user has entered a User Name and password, clicked on a SUBMIT button, and a summary for the login level appears. the user's login level will show referrals for a particular area of responsibility as defined by the user's administrator. The user's senior management may see all referrals by all departments within their areas of responsibility, while other department areas may see referrals from just their areas of responsibility. Some users who access reports frequently find it helpful to bookmark this page instead of the main page.

A login can be set to stay active for a fixed period of time, say, 30 minutes of inactivity, so if the user leaves the Referrer Computer for more than 30 minutes, the user will be automatically logged off the System. As long as the User is active within the time period, the user will not be automatically logged off, unless, of course, the user closes the browser.

A Member Summary Screen, FIG. 7, is provided upon a successful login. This screen identifies the user and the location associated with the user. The user will be able to view reports for all referrals from this location. To come back to this summary at any time, simply click on a MEMBER SUMMARY button.

As to the Referrer reports, there are several buttons (options), such those illustrated on the left-hand navigation bar (navigation bar) of FIG. 7, DAILY REPORTS, 7 DAY REPORTS, 30 DAY REPORTS, AND YEAR REPORTS, which function identically for different time periods. MONTHLY or other periods could similarly be used.

DAILY REPORTS reflect the current day beginning at 12:00:01 AM of the day the user inquires. 7 DAY REPORTS reflect the last 7 days ending at 12:59:59 PM the day before the user inquires. 30 DAY REPORTS reflect the last 30 days ending at 12:59:59 PM the day before the user inquires. YEAR REPORTS show the last 365 days ending at 12:59:59 PM the day before the user inquires. For specific date ranges, such as a calendar week, month, or year, use CUSTOM REPORTS.

Many of the higher-level reports include two powerful and useful buttons in the left most columns of FIG. 8 (in connection with FIG. 9). Click the DRILL DOWN button to get more information on any line that has a bold heading. For instance, from the monthly summary page Drill Down will take the user to a listing of each day's activity by receiver. Click on any bold entry from there to see a listing of unique callers on any one day. And Click on any bold entry from there to see callers with duplicate identification information. The user can learn more about drilldown reports below.

Click the COMPARE button to go to a sub-report listing comparative information on all referrers that the receiver uses. Examples:

-   -   When viewing a summary report, notice that call completion rates         and talk time have decreased at one of the receivers. When the         user clicks on the COMPARE button for that receiver, the user         sees that the receiver now has two new referrers making         referrals. This new referral volume could be affecting the         service level the receiver has been providing to user, which may         warrant investigation.     -   When the user clicks the COMPARE button for one receiver, the         user may see that the Referrer makes up a majority of the         referrals that this receiver is getting. Perhaps other referrers         have not discovered the value this receiver can offer; perhaps         other referrers have been in a similar referral relationship         with this referrer before and have discovered it to be to their         disadvantage to be dependent on one agency.

Whatever the reason, this information may warrant further investigation. Preferably referrer identities are not generally displayed, and volumes are shown as percentages of the total referrals to that receiver to maintain confidentiality of referrers. As a more particular example, consider YEARLY REPORTS.

The YEARLY REPORTS provide a snapshot of the user's Referring Institution, including referral data to all receivers in the last 365 days. The receiver name in level one can be clicked to visit the receiver's website, if there is one.

As always, click the browser's BACK button to return to the previous report, or click on a report name to go there directly.

Click on the DRILL DOWN button to proceed to level two, the next level of detail. Here the user will see summary information for each of the previous 12 months for the receiver identified by clicking on a corresponding button. The date column in Level 2 is bold for every month in which there have been more than one referral made to this receiver.

Then, click on a bold month to go to Level 3 for a summary of referrals for the month to that receiver. There is one row for each day that there were referrals. Clicking on a bold date (Bold indicates that there was more than one referral made to that receiver that day) takes the user to level 4 where all referrals for that date are listed by Time of Call.

If any of the credit card numbers are bold in level 4 there are multiple records for that credit card number (even if the credit card number is shown as a 0), providing the user with the ability to drill down to level five.

Level five displays all matching records for the clicked card number.

Examples of YEARLY REPORTS are shown in FIGS. 8-9. At level one, the date range is listed on top of the report. Click on the DRILL DOWN button for more detail on any receiver. At level two, the receiver name and date range are at the top of the report. There is one row for each calendar month. Months with multiple referrals are bold. Click on any Bold Month for detail by date of call. At level three, the receiver name and date range are at the top of report. There is one row for each date of referrals. Dates with multiple referrals are bold. Click on any Bold Dates for detail by caller's account number and origination. At level four, there is shown each card number entered for each call and the originating phone number for calls made to the receiver selected in level 1 for the day clicked in the previous level. Receiver name and date range are listed at the top of report. Records are sorted by time of day from most recent. There is one entry per unique identifier, i.e., credit card number. Multiple entries are Bold. (Click on Bold card numbers for more detail.) Zero is displayed if no card number was entered. At level five, in the case of multiple calls having the same card number, this report will show each of the calls made with that account number. Account number is listed at the top of the report. Originating phone number, time, date, and length of each call is listed.

Using COMPARE is a very powerful tool that permits a user to view other receivers being used by a referrer. Click on COMPARE next to the name of any receiver to see statistics such as those in FIG. 9, where the user will see its organization listed first, and all other referrers using that receiver will be listed (without identification) below that. This report enables easily comparison against other referrers at this agency, e.g., by:

-   -   1. Call completion rates     -   2. Phone times     -   3. Share of referrals contributed     -   4. Referrals to one receiver versus another     -   5. And, this report enables benchmarked performance questions:     -   6. What percent of referrals do are contributed to this agency?     -   7. Are call lengths longer or shorter? Is this better or worse?         Does the referrer's call lengths contribute to         returns/conversions/counseling effectiveness?     -   8. Is the referrer getting the service level for the share of         referrals contributed?     -   9. Are a lot of referrers using this receiver? Why or why not?     -   10. Has the receiver started serving more or less referrers?         Why? How does this affect service levels?     -   11. How does this receiver's performance with all referrers         compare to other receivers?

Turning now to use of the CUSTOM REPORTS feature, this menu option provides the ability to construct a custom search of the referral database. The user is greeted with a custom search area similar to the one shown in FIG. 10. This search interface allows manipulation of all of the report variables in order to refine a search to meet a user's particular needs. These reports will display the requested information in a table. The user also can have the option to download these reports in a format which can be imported to a word processor or spreadsheet (like Microsoft Word™ or Excel™).

Turning now to FIG. 10 to use of the SUMMARY REPORTS feature, this menu option provides System members with anonymous summary information that reaches across all receivers and referrers. These reports produce real-time summary calculations on all records in the current database (maximum of 365 days). See FIG. 8, Level One.

Turning now to use of the TIME OF DAY/DAY OF WEEK REPORTS feature, this menu option provides a report of frequency data on caller activity based on a 7-day week. Data is provided for each day of the week with a drill down link on each day to provide information on an hourly breakdown. Currently summarizes all System 1 activity; but can also summarize by login. See FIG. 8, Level Two, where the user may drilldown on any Bold entry by clicking on it to see referral distribution by hour of the day.

Turning now to use of the TIME OF MONTH REPORTS feature, this menu option provides a report of frequency data on caller activity by calendar month of the year and time of the month. Data is provided for each month with a drill down link on bold months to a daily breakdown. Currently summarizes all Peregrin activity; later will also summarize by login. See FIG. 8, Level 3, where the user may drilldown on any Bold entry by clicking on it to see referral distribution by day of the month.

Turning now to use of the STATE OF ORIGIN REPORTS feature, this menu option provides a report of frequency data on caller activity based on the state of origin. Data is provided for each state. Data is sorted by state. This report does not have drill-down functionality. Currently summarizes all activity; but can also summarize by login. See FIG. 9, Level Four.

Turning now to use of the STATE OF ORIGIN REPORTS feature, this menu option provides a report to users with a summary of overall call completion rates across all receivers and referrers. The report also provides a percentage breakout on the causes for incomplete calls. Currently summarizes all activity; but can also summarize by login. See FIG. 9, Level Five.

An illustration of an embodiment a report screen for analysis is provided in FIG. 10, and a schematic view of the site reports is provided in FIG. 11.

Not shown on the Figs. is an accounting system, such as QuickBooks™, which can operate on a computer of the intermediary, either independently or in connection to the System 1 of FIG. 1 to account for compensation for call referral, such as a flat fee for each call referral, the fee being paid, for example, by the financial assistance center receiving the call referral.

Turning now to the operational standards for the website, particularly the specifications and configurations of the web server, firewall server, and related software and hardware, consider first a general overview of the SQL database used to drive the website. The website maintains a simple but secure multi-server design. The firewall server, which protects the network from unauthorized access, is a Windows NT Server configured with Axent Raptor Software. The web server is another NT Server running Internet Information Server, Cold Fusion, and Microsoft SQL server.

When an Internet user (via computer 110) requests a page from the domain, the request is routed via switch 112 to SkyNetWeb, the DNS authority and ISP (Internet Service Provider). SkyNetWeb has a WebServer 114 with a routing table entry which redirects all requests to the intermediary's IP address (64.23.0.20), which has been assigned to the first network card in the Firewall. A Raptor server redirects the request from the firewall to the web server through a port 80 connection. The web server does not have an external Internet IP address. The web server is connected to the Firewall server using an internal IP address range 9192.168.XXX.XXX). The only device that is exposed to the Internet is the Firewall server 116, as illustrated in FIG. 13.

Each of the three servers, including the IVR Server 12, is configured as a member server of a workgroup.

The Firewall Server 116 can, for example, be as follows: LCG Server; Windows NT Product ID Number 26699-OEM-0044587-97975; Intel Pentium III, 600 Mhz Processor (single processor); 256 MB RAM; 2×6.4 GB Hard Drives operating in a RAID configuration; 3×10/100 Network Cards (Intel); Top Card—Connected to WAN with blue cable; Middle Card—Connected to internal network with RED cable; Bottom Card—Currently inactive; Dual-redundant power supplies; 15 inch Optiplex monitor; CD-Drive; Floppy Drive. And the software can be Axent Raptor—Version 5.5; Internet Explorer; CuteFTP; Windows NT Server 4.0; Service Pack 5; Raptor Mobile VPN Software.

The firewall server 116 Will resolve to is configured to block all unauthorized Internet traffic. The minimum required ports have been left open:Inbound traffic on port 80 (http) Port 80 on the web server 443 (SSL) Port 443 on the web server Outbound traffic from the web server Will be routed to the Internet on port from port 25 (SMTP) 25 on the Firewall

The firewall server 116 can be installed with 3 Network Interface Cards (NIC) configured as follows:

Card 1: External Internet Exposure (Top Card) IP Address: 64.23.0.20 Card 2: Internal Network between the Firewall and Web servers (Middle Card) IP Address: 192.168.1.1 Card 3: Inactive card (Could be used to configure another domain) (Bottom Card) IP Address (10.1.1.1)

All web-based communication uses the TCP/IP protocol stack. The Raptor Firewall 116 can be configured to run as an NT service with automatic start-up. Upon restart, all Raptor services will automatically resume.

There are two physical drives in the server. Each drive has an 8.4.GB capacity. The drives are partitioned into three volumes (C, D, and E). All relevant data is currently being stored on the C partition. D and E are currently empty except for a CuteFTP application directory on E. CuteFTP was used to download various applications and updates to the network. It should not put network security at risk. Raptor Firewall does a very good job of disabling insecure NT services. The following services are currently running on the Firewall server 116:

Eventlog Plug and Play Raptor Firewall Remote Procedure Call (RPC) Spooler TCP/IP NetBios Helper Workstation

The WebServer 114 can, for example, be LCG Server; Windows NT Key 26699-OEM-0044587-97975; 2 X Intel Pentium III, 550 Mhz Processors (dual processor); 512 MB RAM; 3×9.1 GB SCSI Hard Drives operating in a RAID 5 configuration; 2×10/100 Network Cards (Intel); Dual-redundant power supplies; 15 inch Optiplex monitor (model no-VCDTS21487-3M); CD-Drive; and a Floppy Drive. Similarly, the software can be Windows NT Server 4.0, Service Pack 5; Internet Information Server 4; Cold Fusion Professional Server, Version 4.5; Microsoft SQL Server 7 (Dual Processor, Unlimited Internet Connector Licenses); Web Trends Log Analyzer; Internet Explorer; and PC Anywhere Version 9.

The WebServer 114 can be configured to accept Internet requests, process results, and pass formatted result pages back to the Internet. The Webserver 116 completes this task by using Internet Information Server as the core web server application, Microsoft SQL server 7 as the database engine, and Allaire Cold Fusion 4.5 as the middle-ware application to translate database content into properly formatted web pages.

When a client calls the 800 number in search of a CCA, the details of the phone call are recorded in the IVR database 20. Preferably in real time, but also doable is every 1-3 minutes, the IVR database pushes new call records to a Microsoft SQL 7 database on the WebServer 114. CCA and Creditor members then query the call record database to retrieve relevant information. Cold Fusion Application Server formats this information into HTML.

The WebServer 114 has two network cards that allow the Webserver 114 to route data requests between the Web/Firewall network and the Web/IVR network. The network cards can be configured as follows:

Card 1: Web/Firewall Card IP Address: 192.168.1.2 Card 2: Web/IVR Card IP Address: 192.168.2.1

Microsoft IIS, Cold Fusion Server, SQL Server, PC Anywhere, and WebTrends have been configured to run as NT services with automatic start-up. Upon restart, all above-mentioned services will automatically resume.

The WebServer 114 has been installed with 3×9.1 GB hard drives operating in a RAID 5 array. This configuration serves as a first line of defense against system failure. All data is being maintained on three hard disks.

All data on the web server RAID array (drive G) is being backed up to tape each night.

There are 5 physical drives located in the Webserver 114. The first two IDE drives are 4 GB in size. These drives are being used as boot drives. They are divided into two, GB partitions (C and D). An NT based RAID mirror has been established between the drives to insure reliability. The IDE boot drives are not being backed up to tape.

The remaining three drives, 9.1 GB SCSI configured in a RAID 5 array with an Adaptec 64 MB RAID adapter card, work together to create the G partition. This partition contains all data, cold fusion application files, and html files. Most program directories are also stored in this directory. This entire directory is being backed up to tape each night. Pangia technologies is managing the backup process. There are currently over 16 GB of free space on the G drive, and the following NT services can be running:

Alerter Certificate Authority Cold Fusion Application Server Cold Fusion Executive Cold Fusion RDS Computer Browser Content Index Event

FTP Publishing Service (Port turned off by Firewall)

IIS Admin Service License Logging Service Message Microsoft SMTP Service MSDTC MS SQLServer NT LM Security Support Provider PC Anywhere Host Service Plug and Play Protected Storage Remote Procedure Call Service Server Spooler SQL ServerAgent TCP/IP NetBios Helper Web Trends Scheduler Workstation World Wide Web Publishing Service

As to the switch 112 is used to connect the Firewall server 116 to the WebServer 114. The IVR 112 server is connected to the web server with a hub 118.

Switch NetGear Fast Ethernet Switch Model Number DS105 Hub NetGear 10/100 Autosensing Model Number DS104

Each of the servers and related equipment can be protected from power inconsistencies and outages by UPS systems. The WebServer 114 is connected to a stand-alone SmartUPS 700 made by APC: Model Number: SU700NET. The firewall server 116 is connected to a stand-alone SmartUPS 700 made by APC: Model Number: SU700NET.

With regard to the Appendix, incorporated here by reference, consider the following logic design dictionary:

Entity Summary Report Entity Name Entity Type Primary Keys # Attr Bank Independent BankId CCA Independent CCAId CDATA Independent CGLOBAL Independent IVR_Table Independent call_record_index Member Independent MemberId role Independent RoleID State Independent StateCd TestANI Independent TestANITx Tmplt Independent TmpltId TmpltText Independent TmpltTextId userrole Independent UserRoleID users Independent UserId

Bank

Entity Name Bank Primary Keys BankId

Definition The Bank table contains all information specific to a bank/referrer. There are two types of “bank” entries to be found here. These have been designated as a “main office”, or a “branch”. If a user is assigned to a main office they may also be given access to see all subordinate “branch” office data.

Notes

Attributes Attribute/Role Name Domain Datatype Null Definition BankId/ INTEGER ID auto-generated number to used as the primary key of the table. BankParentId/ INTEGER Y The BankId of the parent (main office) bank entry in this table. DNIS/ VARCHAR(12) N The DNIS (800 number) a customer uses to contact the bank. This field relates to the DNIS field in the IVR_Table. BankNameTx/ VARCHAR(50) N The name of the bank. BankAddrss1Tx/ VARCHAR(50) Y The address (line 1) of the bank. BankAddrss2Tx/ VARCHAR(50) Y The address (line 2) of the bank BankCityTx/ VARCHAR(50) Y The city in which the bank is located. StateCd/ VARCHAR(2) Y The state in which the bank is StateCd located. BankZipTx/ VARCHAR(12) Y The zip code in which the bank is located BankPhoneTx/ VARCHAR(12) Y The phone number of the bank. Possibly a contact number for someone at the bank. BankFaxPhoneTx/ VARCHAR(12) Y The fax number for the bank. BankWebSiteURL VARCHAR(50) Y The URL of the banks website (if Tx/ any) BankInuseIn/ BIT N Indicates if the bank is “in use” in the site. This field is used to “turn off” banks without having to delete them from the system. BankDptTx/ VARCHAR(20) Y The department of the bank branch. The department indicates the level of late accounts the particular bank branch deals with. The department designations are: 30 day, 60 day, 90 day, 120 day, Charge Off. BankParentIn/ BIT N Indicates if the bank is a “main office” entry. BankCreateDt/ DATETIME Y Date record was created. BankModifyDt/ DATETIME Y Date Record was last updated. This is set via an updated table trigger. BankChangeTx VARCHAR(75) Y The user id of the person to last create or modify the record. The SQL Server login is used as the default (via an update table trigger) if no application specific id was given.

BankId

Attribute Name BankId Entity Name Bank Primary Key YES Foreign Key NO Parent Entity Definition auto-generated number to used as the primary key of the table.

BankParentId

Attribute Name BankParentId Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition The BankId of the parent (main office) bank entry in this table.

DNIS

Attribute Name DNIS Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition The DNIS (800 number) a customer uses to contact the bank. This field relates to the DNIS field in the IVR_Table.

BankNameTx

Attribute Name BankNameTx Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition The name of the bank.

BankAddrss1Tx

Attribute Name BankAddrss1Tx Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition The address (line 1) of the bank.

BankAddrss2Tx

Attribute Name BankAddrss2Tx Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition The address (line 2) of the bank

BankCityTx

Attribute Name BankCityTx Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition The city in which the bank is located.

StateCd

Attribute Name StateCd Entity Name Bank Primary Key NO Foreign Key YES Parent Entity State Definition The state in which the bank is located.

BankZipTx

Attribute Name BankZipTx Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition The zip code in which the bank is located

BankPhoneTx

Attribute Name BankPhoneTx Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition The phone number of the bank. Possibly a contact number for someone at the bank.

BankFaxPhoneTx

Attribute Name BankFaxPhoneTx Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition The fax number for the bank.

BankWebSiteURLTx

Attribute Name BankWebSiteURLTx Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition The URL of the banks website (if any)

BankInuseIn

Attribute Name BankInuseIn Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition Indicates if the bank is “in use” in the site. This field is used to “turn off” banks without having to delete them from the system.

BankDptTx

Attribute Name BankDptTx Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition The department of the bank branch. The department indicates the level of late accounts the particular bank branch deals with. The department designations are: 30 day, 60 day, 90 day, 120 day, Charge Off.

BankParentIn

Attribute Name BankParentIn Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition Indicates if the bank is a “main office” entry.

BankCreateDt

Attribute Name BankCreateDt Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition Date record was created.

BankModifyDt

Attribute Name BankModifyDt Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition Date Record was last updated. This is set via an updated table trigger.

BankChangeTx

Attribute Name BankChangeTx Entity Name Bank Primary Key NO Foreign Key NO Parent Entity Definition The user id of the person to last create or modify the record. The SQL Server login is used as the default (via an update table trigger) if no application specific id was given.

CCA

Entity Name CCA Primary Keys CCAId Definition The CCA table contains all information specific to CCA's/Receiver's.

Notes

Attributes Attribute/Role Name Domain Datatype Null Definition CCAId/ INTEGER ID auto-generated number used as the primary key of the table. CCANameTx/ VARCHAR(50) Y Name of the CCA/Receiver. CCAAddrss1Tx/ VARCHAR(50) Y First address line of the CCA CCAAddrss2Tx/ VARCHAR(50) Y Second address line of the CCA. CCACityTx/ VARCHAR(50) Y City in which the CCA is located. StateCd/ VARCHAR(2) Y State in which the CCA is StateCd located. CCAZipTx/ VARCHAR(12) Y The zip code in which the CCA is located. CCAPhoneTx/ VARCHAR(12) Y A phone number for the CCA, possibly a specific contact within the company. CCAFaxPhoneTx/ VARCHAR(12) Y The fax number for the CCA CCAWebSiteURL VARCHAR(80) Y The URL of the CCA's Tx/ web site (if any) CCABillCntctId/ VARCHAR(12) Y ***Unknown***, this field was included in the table layout provided but not currently in use. CCAIVRPhoneTx/ VARCHAR(12) Y The phone number used by IVR routing system to connect customers with the CCA. This field directly ties back to the outbound_number fields (0, 1, 2) in the IVR_Table. CCAInuseIn/ BIT N Indicates if the CCA is “in use” in the system. This field is used to “turn off” a CCA without removing the record from the database. CCATypeTx/ VARCHAR(20) Y The type/level of service provided by the CCA. Current valid values are: Walk In, Phone Only, Both. CCAAffltn/ VARCHAR(10) Y The affiliation membeship of the CCA. Current valid values are: AICCCA, NFCC, None. CCACreateDt/ DATETIME Y Date the record was created. CCAModifyDt/ DATETIME Y Date the record was last modified. (set via an update table trigger) CCAChangeTx/ VARCHAR(75) Y User id that last created or modified the record. By default the SQL Server login is used if no application specific user id was given.

CCAId

Attribute Name CCAId Entity Name CCA Primary Key YES Foreign Key NO Parent Entity Definition auto-generated number used as the primary key of the table.

CCANameTx

Attribute Name CCANameTx Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition Name of the CCA/Receiver.

CCAAddrss1Tx

Attribute Name CCAAddrss1Tx Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition First address line of the CCA

CCAAddrss2Tx

Attribute Name CCAAddrss2Tx Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition Second address line of the CCA.

CCACityTx

Attribute Name CCACityTx Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition City in which the CCA is located.

StateCd

Attribute Name StateCd Entity Name CCA Primary Key NO Foreign Key YES Parent Entity State Definition State in which the CCA is located.

CCAZipTx

Attribute Name CCAZipTx Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition The zip code in which the CCA is located.

CCAPhoneTx

Attribute Name CCAPhoneTx Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition A phone number for the CCA, possibly a specific contact within the company.

CCAFaxPhoneTx

Attribute Name CCAFaxPhoneTx Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition The fax number for the CCA

CCAWebSiteURLTx

Attribute Name CCAWebSiteURLTx Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition The URL of the CCA's web site (if any)

CCABillCntctId

Attribute Name CCABillCntctId Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition ***Unknown***, this field was included in the table layout provided but not currently in use.

CCAIVRPhoneTx

Attribute Name CCAIVRPhoneTx Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition The phone number used by IVR routing system to connect customers with the CCA. This field directly ties back to the outbound_number fields (0, 1, 2) in the IVR_Table.

CCAInuseIn

Attribute Name CCAInuseIn Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition Indicates if the CCA is “in use” in the system. This field is used to “turn off” a CCA without removing the record from the database.

CCATypeTx

Attribute Name CCATypeTx Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition The type/level of service provided by the CCA. Current valid values are: Walk In, Phone Only, Both.

CCAAffItn

Attribute Name CCAAffltn Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition The affiliation membeship of the CCA. Current valid values are: AICCCA, NFCC, None.

CCACreateDt

Attribute Name CCACreateDt Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition Date the record was created.

CCAModifyDt

Attribute Name CCAModifyDt Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition Date the record was last modified. (set via an update table trigger)

CCAChangeTx

Attribute Name CCAChangeTx Entity Name CCA Primary Key NO Foreign Key NO Parent Entity Definition User id that last created or modified the record. By default the SQL Server login is used if no application specific user id was given.

CDATA

Entity Name CDATA Primary Keys Definition Internal Coldfusion table used to track users and associated system variables.

Notes

Attributes Attribute/Role Name Domain Datatype Null Definition cfid/ CHAR(20) Y app/ CHAR(64) Y data/ LONG VARCHAR Y

CGLOBAL

Entity Name CGLOBAL Primary Keys Definition Internal Coldfusion table used to track users and associated system variables.

Notes

Attributes Attribute/Role Name Domain Datatype Null Definition cfid/ CHAR(20) Y data/ LONG VARCHAR Y visit/ DATETIME Y

IVR_Table

Entity Name IVR_Table Primary call_record_index Keys Definition The IVR_table contains transaction records from the IVR system. It is used as the core table for all reporting done in the web site. This table is “replicated” from the IVR system and is essentially “read only” in our site.

Notes

Attributes Attribute/Role Name Domain Datatype Null Definition call_record_index/ NUMERIC(18, 0) ID Automatically increments by one - used to uniquely identify each call into the IVR system. ani/ VARCHAR(12) Y this represents the ani digits we received. ani_info_areacode/ INTEGER Y this is the area code part of the received ani ani_info_phone_number/ VARCHAR(12) Y this is the number part of the received ani StateCd/StateCd VARCHAR(2) Y this is the state identifier which was determined by the IVR system (always has a value) call_completed_flag/ INTEGER Y = call was completed 0 = call was not completed credit_card_number/ VARCHAR(26) Y this represents the digits entered for the credit card number. dnis/ VARCHAR(12) Y this represents the DNIS digits that were received. dnis_valid/ INTEGER Y Y = received DNIS was found by our routing models N = received DNIS was not found by our routing models start_datetime/ DATETIME Y Date and Time call was answered by the IVR System (always has a value) end_datetime/ DATETIME Y Date and Time call was ended (always has a value) call_duration/ INTEGER Y Number of seconds representing the duration of the call (always has a value) exception_code0/ INTEGER Y Exception code for first CCA number dialed exception codes: 0 = No problems or never attempted to dial number 27 = No Dial Tone 28 = Fast Busy 29 = Busy 30 = No Answer 31 = No Ring 36 = Unknown (tbd) exception_code1/ INTEGER Y Exception code for second CCA number dialed exception codes: 0 = No problems or never attempted to dial number 27 = No Dial Tone 28 = Fast Busy 29 = Busy 30 = No Answer 31 = No Ring 36 = Unknown (tbd) exception_code2/ INTEGER Y Exception code for third CCA number dialed exception codes: 0 = No problems or never attempted to dial number 27 = No Dial Tone 28 = Fast Busy 29 = Busy 30 = No Answer 31 = No Ring 36 = Unknown (tbd) first_time_caller_flag/ INTEGER Y = this is a repeat caller 1 = this is a first time caller 2 = caller hung up phone before digits entered could be validated outbound_number0/ VARCHAR(50) Y First CCA Number to try (0 indicates caller hung up before we had a chance to lookup the CCA numbers in the routing tables) outbound_number1/ VARCHAR(12) Y Second CCA Number to try (this is 0 for a repeat caller, this is also 0 when the first CCA number is 0) outbound_number2/ VARCHAR(12) Y Third CCA Number to try (this is 0 for a repeat caller, this is 0 when the default routing model is the only model accessed, this is 0 when the first CCA number is 0) final_called_number/ VARCHAR(12) Y the CCA number which was successfully connected too is stored here web_upload/ INTEGER Y web side doesn't need to worry about this column (note from the web side: this is an internal indicator field for the ivr replication mechanism to determine if the system of origin hasa replicated the data to the web reporting database) hold_datetime/ DATETIME Y Date and Time of when caller was put on HOLD, blank if call was terminated before caller was put on hold. connect_datetime/ DATETIME Y Date and Time of when caller was connected to CCA, blank if call was terminated before caller was connected.

call_record_index

Attribute Name call_record_index Entity Name IVR_Table Primary Key YES Foreign Key NO Parent Entity Definition Automatically increments by one - used to uniquely identify each call into the IVR system.

ani

Attribute Name ani Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition this represents the ani digits we received.

ani_info_areacode

Attribute Name ani_info_areacode Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition this is the area code part of the received ani

ani_info_phone_number

Attribute ani_info_phone_number Entity IVR_Table Name Name Primary Key NO Foreign Key NO Parent Entity Definition this is the number part of the received ani

StateCd

Attribute Name StateCd Entity Name IVR_Table Primary Key NO Foreign Key YES Parent Entity State Definition this is the state identifier which was determined by the IVR system (always has a value)

call_completed_flag

Attribute call_completed_flag Entity Name IVR_Table Name Primary Key NO Foreign Key NO Parent Entity Definition = call was completed 0 = call was not completed

credit_card_number

Attribute credit_card_number Entity Name IVR_Table Name Primary Key NO Foreign Key NO Parent Entity Definition this represents the digits entered for the credit card number.

dnis

Attribute Name dnis Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition this represents the DNIS digits that were received.

dnis_valid

Attribute Name dnis_valid Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition Y = received DNIS was found by our routing models N = received DNIS was not found by our routing models

start_datetime

Attribute Name start_datetime Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition Date and Time call was answered by the IVR System (always has a value)

end_datetime

Attribute Name end_datetime Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition Date and Time call was ended (always has a value)

call_duration

Attribute Name call_duration Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition Number of seconds representing the duration of the call (always has a value)

exception_code0

Attribute Name exception_code0 Entity Name IVR_Table Primary Key NO00 Foreign Key NO Parent Entity Definition Exception code for first CCA number dialed exception codes: 0 = No problems or never attempted to dial number 27 = No Dial Tone 28 = Fast Busy 29 = Busy 30 = No Answer 31 = No Ring 36 = Unknown (tbd)

exception_code1

Attribute Name exception_code1 Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition Exception code for second CCA number dialed exception codes: 0 = No problems or never attempted to dial number 27 = No Dial Tone 28 = Fast Busy 29 = Busy 30 = No Answer 31 = No Ring 36 = Unknown (tbd)

exception_code2

Attribute Name exception_code2 Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition Exception code for third CCA number dialed exception codes: 0 = No problems or never attempted to dial number 27 = No Dial Tone 28 = Fast Busy 29 = Busy 30 = No Answer 31 = No Ring 36 = Unknown (tbd)

first_time_caller_flag

Attribute Name first_time_caller_flag Entity IVR_Table Name Primary Key NO Foreign Key NO Parent Entity Definition = this is a repeat caller 1 = this is a first time caller 2 = caller hung up phone before digits entered could be validated

outbound_number0

Attribute Name outbound_number0 Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition First CCA Number to try (0 indicates caller hung up before we had a chance to lookup the CCA numbers in the routing tables)

outbound_number1

Attribute Name outbound_number1 Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition Second CCA Number to try (this is 0 for a repeat caller, this is also 0 when the first CCA number is 0)

outbound_number2

Attribute Name outbound_number2 Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition Third CCA Number to try (this is 0 for a repeat caller, this is 0 when the default routing model is the only model accessed, this is 0 when the first CCA number is 0)

final_called_number

Attribute final_called_number Entity Name IVR_Table Name Primary Key NO Foreign Key NO Parent Entity Definition the CCA number which was successfully connected too is stored here

web_upload

Attribute Name web_upload Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition web side doesn't need to worry about this column (note from the web side: this is an internal indicator field for the ivr replication mechanism to determine if the system of origin hasa replicated the data to the web reporting database)

hold_datetime

Attribute Name hold_datetime Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition Date and Time of when caller was put on HOLD, blank if call was terminated before caller was put on hold.

connect_datetime

Attribute Name connect_datetime Entity Name IVR_Table Primary Key NO Foreign Key NO Parent Entity Definition Date and Time of when caller was connected to CCA, blank if call was terminated before caller was connected.

Member

Entity Name Member Primary Keys MemberId Definition The Member table will hold all information specific to a user that requires access to the Members area of the site.

Notes

Attributes Attribute/Role Name Domain Datatype Null Definition MemberId/ INTEGER ID A auto-generated id to be used as the primary key of the table. CCAId/CCAId INTEGER Y UserId/UserId INTEGER Y Auto-generated id to be used as the primary key of the table. BankId/BankId INTEGER Y MemberFirstNameTx/ VARCHAR(50) Y The first name of the user. MemberLastNameTx/ VARCHAR(50) Y The last name of the user MemberPhoneTx/ VARCHAR(12) Y The phone number of the user MemberFaxPhoneTx/ VARCHAR(50) Y The fax number of the user MemberEmailAddrssTx/ VARCHAR(50) Y The email address of the user MemberInuseIn/ BIT N Indicates if the member is currently “active” in the site. This is field is used to turn off access to a user without actually deleting there record from the database. 0 = turned off, 1 = turned on. MemberTitleTx/ VARCHAR(25) Y The title, if any, of the user. I.E. Vice President, or VP accounting dpt. MemberCreateDt/ DATETIME Y Date the record was created. MemberModifyDt/ DATETIME Y Date record was last modified. This is set via an update table trigger. MemberChangeTx/ VARCHAR(75) Y User Id that last created or updated the record. This could be set as either an application specific userid during an SQI update statement or a SQL Server login id via an update table trigger as the default.

MemberId

Attribute Name MemberId Entity Name Member Primary Key YES Foreign Key NO Parent Entity Definition A auto-generated id to be used as the primary key of the table.

CCAId

Attribute Name CCAId Entity Name Member Primary Key NO Foreign Key YES Parent Entity CCA Definition

UserId

Attribute Name UserId Entity Name Member Primary Key NO Foreign Key YES Parent Entity users Definition Auto-generated id to be used as the primary key of the table.

BankId

Attribute Name BankId Entity Name Member Primary Key NO Foreign Key YES Parent Entity Bank Definition

MemberFirstNameTx

Attribute Name MemberFirstNameTx Entity Name Member Primary Key NO Foreign Key NO Parent Entity Definition The first name of the user

MemberLastNameTx

Attribute Name MemberLastNameTx Entity Name Member Primary Key NO Foreign Key NO Parent Entity Definition The last name of the user

MemberPhoneTx

Attribute Name MemberPhoneTx Entity Name Member Primary Key NO Foreign Key NO Parent Entity Definition The phone number of the user

MemberFaxPhoneTx

Attribute Name MemberFaxPhoneTx Entity Name Member Primary Key NO Foreign Key NO Parent Entity Definition The fax number of the user

MemberEmailAddrssTx

Attribute Name MemberEmailAddrssTx Entity Name Member Primary Key NO Foreign Key NO Parent Entity Definition The email address of the user

MemberInuseIn

Attribute Name MemberInuseIn Entity Name Member Primary Key NO Foreign Key NO Parent Entity Definition Indicates if the member is currently “active” in the site. This is field is used to turn off access to a user without actually deleting there record from the database. 0 = turned off, 1 = turned on.

MemberTitleTx

Attribute Name MemberTitleTx Entity Name Member Primary Key NO Foreign Key NO Parent Entity Definition The title, if any, of the user. I.E. Vice President, or VP accounting dpt.

MemberCreateDt

Attribute Name MemberCreateDt Entity Name Member Primary Key NO Foreign Key NO Parent Entity Definition Date the record was created.

MemberModifyDt

Attribute Name MemberModifyDt Entity Name Member Primary Key NO Foreign Key NO Parent Entity Definition Date record was last modified. This is set via an update table trigger.

MemberChangeTx

Attribute Name MemberChangeTx Entity Name Member Primary Key NO Foreign Key NO Parent Entity Definition User Id that last created or updated the record. This could be set as either an application specific userid during an SQI update statement or a SQL Server login id via an update table trigger as the default: role

Entity Name role Primary Keys RoleID Definition The role table contains the distinct types of access defined in the site. I.E. Bank's, CCA's, SuperAdmin, SiteAdmin etc.

Notes

Attributes Attribute/Role Name Domain Datatype Null Definition RoleID/ INTEGER ID Auto-generated number used as the primary key of the table. RoleNameTX/ VARCHAR(150) Y Name for the access type (role). I.E. Bank, CCA, Admin RoleDescTX/ LONG VARCHAR Y A description of the purpose and/or access level the role confers to the user. RoleCreateDT/ DATETIME Y Date the role was created RoleModifyDT/ DATETIME Y Date the role was updated. RoleChangeTX/ VARCHAR(75) Y User login id (or sql login) of the account used to create or last update the role.

RoleID

Attribute Name RoleID Entity Name role Primary Key YES Foreign Key NO Parent Entity Definition Auto-generated number used as the primary key of the table.

RoleNameTX

Attribute Name RoleNameTX Entity Name role Primary Key NO Foreign Key NO Parent Entity Definition Name for the access type (role). I.E. Bank, CCA, Admin

RoleDescTX Attribute Name RoleDescTX Entity Name role Primary Key NO Foreign Key NO Parent Entity Definition A description of the purpose and/or access level the role confers to the user.

RoleCreateDT

Attribute Name RoleCreateDT Entity Name role Primary Key NO Foreign Key NO Parent Entity Definition Date the role was created

RoleModifyDT

Attribute Name RoleModifyDT Entity Name role Primary Key NO Foreign Key NO Parent Entity Definition Date the role was updated.

RoleChangeTX

Attribute Name RoleChangeTX Entity Name role Primary Key NO Foreign Key NO Parent Entity Definition User login id (or sql login) of the account used to create or last update the role.

State

Entity Name State Primary Keys StateCd Definition The State table contains the full state name associated with the standard 2 digit state code abbreviation.

Notes

Attributes Attribute/Role Name Domain Datatype Null Definition StateCd/ VARCHAR N The 2 digit state (2) abbreviation. StateNameTX/ VARCHAR N The full name (50) of the state.

StateCd

Attribute Name StateCd Entity Name State Primary Key YES Foreign Key NO Parent Entity Definition The 2 digit state abbreviation.

StateNameTX

Attribute Name StateNameTX Entity Name State Primary Key NO Foreign Key NO Parent Entity Definition The full name of the state.

TestANI

Entity Name TestANI Primary Keys TestANITx Definition This table contains a list of Test ANI's. The entries in this table are to be excluded from the standard web summary reports.

Notes

Attributes Attribute/ Role Name Domain Datatype Null Definition TestANITx/ VARCHAR(12) N An ANI (Phone#).

TestANITx

Attribute Name TestANITx Entity Name TestANI Primary Key YES Foreign Key NO Parent Entity Definition An ANI (Phone#).

Tmplt

Entity Name Tmplt Primary Keys TmpltId Definition The Tmplt table contains the names of all dynamic Coldfusion templates on the site.

Notes

Attributes Attribute/Role Name Domain Datatype Null Definition TmpltId/ INTEGER ID Auto-generated number used as the primary key of the table. TmpltNameTx/ VARCHAR(50) N the actual coldfusion template name. I.E. Index.cfm TmpltDescTx/ LONG VARCHAR Y A description of the template. Used to help administrator recognize which template is which. TmpltInuseIn/ BIT N Indicates if the tmeplate is “in use”.

TmpltId

Attribute Name TmpltId Entity Name Tmplt Primary Key YES Foreign Key NO Parent Entity Definition Auto-generated number used as the primary key of the table.

TmpltNameTx

Attribute Name TmpltNameTx Entity Name Tmplt Primary Key NO Foreign Key NO Parent Entity Definition the actual coldfusion template name. I.E. Index.cfm

TmpltDescTx

Attribute Name TmpltDescTx Entity Name Tmplt Primary Key NO Foreign Key NO Parent Entity Definition A description of the template. Used to help administrator recognize which template is which.

TmpltInuseIn

Attribute Name TmpltInuseIn Entity Name Tmplt Primary Key NO Foreign Key NO Parent Entity Definition Indicates if the tmeplate is “in use”.

TmpltText

Entity Name TmpltText Primary Keys TmpltTextId Definition The TmpltText table contains all the “changeable” text parts of a Coldfusion template. There may be many text parts for a single template.

Notes

Attributes Attribute/Role Name Domain Datatype Null Definition TmpltTextId/ INTEGER ID auto-generated number used as the primary key of the table. TmpltId/TmpltId INTEGER N foerign key to the Tmplt table. Identifies the template the text is to be displayed on. TmpltTextCd/ VARCHAR(20) N A code which identifies the individual text parts. This code will be used inside the coldfusion template to place text on the page. TmpltTextDescTx/ VARCHAR(500) Y A description of the text piece to aid administrator in identifying where the text is to be displayed. I.E. “The text blurb at the bottom of the page”

TmpltTextId

Attribute Name TmpltTextId Entity Name TmpltText Primary Key YES Foreign Key NO Parent Entity Definition auto-generated number used as the primary key of the table.

TmpltId

Attribute Name TmpltId Entity Name TmpltText Primary Key NO Foreign Key YES Parent Entity Tmplt Definition foreign key to the Tmplt table. Identifies the template the text is to be displayed on.

TmpltTextCd

Attribute Name TmpltTextCd Entity Name TmpltText Primary Key NO Foreign Key NO Parent Entity Definition A code which identifies the individual text parts. This code will be used inside the coldfusion template to place text on the page.

TmpltTextDescTx

Attribute Name TmpltTextDescTx Entity Name TmpltText Primary Key NO Foreign Key NO Parent Entity Definition A description of the text piece to aid administrator in identifying where the text is to be displayed. I.E. “The text blurb at the bottom of the page” userrole

Entity Name userrole Primary Keys UserRoleID Definition The UserRole table is a cross refference between the Users and Role tables. It is where which roles a particular user has be given is assigned.

Notes

Attributes Attribute/Role Name Domain Datatype Null Definition UserRoleID/ INTEGER ID Auto-generated number used as the primary key of the table. UserId/UserId INTEGER N RoleID/RoleID INTEGER N

UserRoleID

Attribute Name UserRoleID Entity Name userrole Primary Key YES Foreign Key NO Parent Entity Definition Auto-generated number used as the primary key of the table.

UserId

Attribute Name UserId Entity Name userrole Primary Key NO Foreign Key YES Parent Entity users Definition

RoleID

Attribute Name RoleID Entity Name userrole Primary Key NO Foreign Key YES Parent Entity role Definition users

Entity Name users Primary Keys UserId Definition The Users table contains the user login information for a member.

Notes

Attributes Attribute/Role Name Domain Datatype Null Definition UserId/ INTEGER ID Auto-generated id to be used as the primary key of the table. UserNameTX/ VARCHAR(75) Y The account login id that is unique to the site. I.E. member Eddie George might create login id EGeorge. UserPsswdTX/ VARCHAR(16) Y User specified password for the account. UserInuseIN/ BIT N Indicates if the user account in “inuse”. This field is used to turn off user accounts without actually deleting the record from the database. UserCreateDT/ DATETIME Y Date the account was created. UserModifyDT/ DATETIME Y Date the account was updated. UserChangeTX/ VARCHAR(75) Y The login id (or sql login) of the person who created or last updated the record.

UserId

Attribute Name UserId Entity Name users Primary Key YES Foreign Key NO Parent Entity Definition Auto-generated id to be used as the primary key of the table.

UserNameTX

Attribute Name UserNameTX Entity Name users Primary Key NO Foreign Key NO Parent Entity Definition The account login id that is unique to the site. I.E. member Eddie George might create login id EGeorge.

UserPsswdTX

Attribute Name UserPsswdTX Entity Name users Primary Key NO Foreign Key NO Parent Entity Definition User specified password for the account.

UserInuseIN

Attribute Name UserInuseIN Entity Name users Primary Key NO Foreign Key NO Parent Entity Definition Indicates if the user account in “inuse”. This field is used to turn off user accounts without actually deleting the record from the database.

UserCreateDT

Attribute Name UserCreateDT Entity Name users Primary Key NO Foreign Key NO Parent Entity Definition Date the account was created.

UserModifyDT

Attribute Name UserModifyDT Entity Name users Primary Key NO Foreign Key NO Parent Entity Definition Date the account was updated.

UserChangeTX

Attribute Name UserChangeTX Entity Name users Primary Key NO Foreign Key NO Parent Entity Definition The login id (or sql login) of the person who created or last updated the record.

While the above description contains many specificity's, these should not be construed as limitations on the scope of the invention, but rather as an exemplification of one preferred embodiment thereof. Many other variations are possible such as, but not limited to, those described in the Objects and Advantages section above. Thus, the scope of the invention should be determined by the appended claims and their legal equivalents, rather than by the principal embodiment and other examples described above. 

1-35. (canceled)
 36. A method of using communication referral system to provide a referral for credit counseling to a user, the method comprising: receiving, by a communication referral system comprising a computer, an inbound communication from the user; receiving, by the communication referral system, user information; based, at least in part, on the received user information, querying, by the system, a memory in applying creditor referral criteria to identify at least one credit-counseling agency; and providing, by the communication referral system, a referral for the user to communicate with said at least one identified credit-counseling agency.
 37. The method of claim 36, wherein said at least one identified credit counseling agency is three credit counseling agencies, and further including attempting, by communication referral system, to connect first time users to up to three different outbound numbers corresponding to the three credit-counseling agencies.
 38. The method of claim 36, wherein the attempting includes applying at least one routing model.
 39. The method of claim 37, wherein the providing includes applying at least one routing model.
 40. The method of claim 36, further including associating, by the communication referral system, the user with a creditor.
 41. The method of claim 40, wherein the user information comprises at least one of an automatic number identification (ANI) number and a dialed number information service (DNIS) number.
 42. The method of claim 40, wherein the user information comprises a user-entered number.
 43. The method of claim 41, wherein the user information comprises a user-entered number.
 44. The method of claim 36, further including: collecting, by the communication referral system, data about referrals made by the communication referral system; and providing, by the communication referral system to the credit-counseling agency, at least a portion of the collected referral data.
 45. The method of claim 36, further including: providing, by the communication referral system, telephone access and Internet access; collecting, by the communication referral system, data about referrals made by the communication referral system; and providing, by the communication referral system to the creditor via the Internet access, at least a portion of the collected referral data.
 46. A method of using communication referral system to provide a referral for credit counseling to a user, the method comprising: receiving, by a communication referral system comprising a computer, an inbound communication from the user; receiving, by the communication referral system, user information; based, at least in part, on the received user information, querying, by the communication referral system, a memory to identify three credit-counseling agencies; and providing, by the communication referral system, a referral which allows the user to communicate with one of the at least three identified credit-counseling agencies.
 47. The method of claim 46, further including attempting, by communication referral system, to connect first time users to a maximum of three different outbound numbers corresponding to the identified three credit-counseling agencies.
 48. The method of claim 46, further including attempting, by communication referral system, to connect users to one of said credit-counseling agencies by applying at least one routing model.
 49. The method of claim 46, further including associating, by the communication referral system, the user with a creditor.
 50. The method of claim 49, wherein providing comprises providing the referral responsive to referral criteria of the creditor.
 51. The method of claim 49, wherein the user information comprises at least one of an automatic number identification (ANI) number and a dialed number information service (DNIS) number.
 52. The method of claim 49, wherein the user information comprises a user-entered number.
 53. The method of claim 50, wherein the user information comprises a user-entered number.
 54. The method of claim 46, further including: collecting, by the communication referral system, data about referrals made by the communication referral system; providing, by the communication referral system to one of the three credit-counseling agency, at least a portion of the collected referral data.
 55. The method of claim 49, wherein the communication referral system provides telephone access and Internet access, and further including: collecting, by the communication referral system, data about referrals made by the communication referral system; and providing, by the communication referral system to the creditor via the Internet access, at least a portion of the collected referral data. 